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Bank of America Down Payment Grant: A nonrepayable down-payment grant equal to 3% of the purchase price, capped at $10,000, for a qualifying first-time buyer, Bank of America mortgage and select-market property. | HomeBase
Other requirements and exceptions still need checking below.
Program maximum, not a promised award
3% of purchase price, up to $10,000
A nonrepayable down-payment grant equal to 3% of the purchase price, capped at $10,000, for a qualifying first-time buyer, Bank of America mortgage and select-market property.
Grant
Coverage not confirmed
Purchase, residence and work requirements may differ. Review the coverage explanation and confirm your property address with the provider.
Check current funding before making plans.
A participating provider can confirm availability. No funds are reserved here.
Funding limited at last check
Confirm the current terms and whether applications are being accepted.
See which household details and program rules still need checking. No account needed.
Sign in or create an account to compare this program with your saved profile.
Location rule and boundary evidence
Where the reviewed rules apply
No buyer address is selected. These maps do not establish financial eligibility, funding availability, or property approval.
No current, human-approved coverage policy is available. Imported location labels and provider offices are not proof of coverage.
What would paying it back look like?
The grant does not require repayment. The buyer must repay the associated mortgage and remains responsible for uncovered down payment, closing costs, mortgage insurance and reserves.
These terms describe the assistance. Any mortgage used to buy the home has its own repayment terms. Check the provider's documents before accepting an offer.
Could this be a fit for me?
Start with the recorded requirements. Unknown information stays unknown; the program makes the final decision.
A program-specific household income table has not been confirmed here. Do not assume that there is no income limit.
Who can apply
About you
No homeownership during the prior three years.
Eligible Bank of America mortgage required.
Maryland selector lists Anne Arundel, Baltimore, Baltimore City, Calvert, Carroll, Charles, Frederick, Harford, Howard, Montgomery, Prince George's, Queen Anne's, and St. Mary's counties.
The home
Property must qualify in a select market.
How to apply
Grant availability and credit approval apply.
The program makes the final eligibility decision.
Conditions
No homeownership during the past three years; qualifying Bank of America mortgage; eligible select-market property confirmed by the bank’s property lookup; program underwriting and restrictions.
Applications never run through HomeBase. This is not an eligibility decision. Published amounts are limits, not promised awards.
What can I combine this with?
Some programs can be combined, while others are alternatives or apply to different locations. These are questions to investigate, not a combined award. Never add benefit ceilings together without checking both programs’ rules.
Review possible combinations with Bank of America Down Payment Grant(12 to check)
Worth asking about(12)
No resolved current rule for this pair. Ask both administrators about eligibility, location, limits and required application order.
AFC finances up to the full new purchase secured by the current and new homes, allowing a non-contingent offer.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at AFC Mortgage Cash Offer.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A qualifying first-time buyer who closes an Affinity mortgage and completes the account and autopay requirements receives $500 in an Affinity savings account.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Affinity First-Time Homebuyer $500 Savings Bonus.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Affinity members who buy or sell through an assigned HomeAdvantage network agent may receive a commission-funded cash reward.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Affinity HomeAdvantage Cash Rewards.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Qualified first-time buyers may receive an Alliant Advantage adjustable-rate mortgage with no down payment and no PMI on loans up to $650,000.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Alliant Advantage Mortgage.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
$1,000 toward closing costs with American Eagle's fixed-rate first-time-buyer mortgage, which advertises down payments as low as 3% and a rate lock up to 60 days.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at American Eagle First-Time Buyer $1,000 Closing-Cost Credit.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A Connecticut first-time-buyer mortgage with up to 100% financing, lender-paid PMI, and up to $5,000 of assistance in eligible geographies.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Ascend Bank Aspire Homebuyer Mortgage.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A nonrepayable lender grant of up to $7,500 for eligible nonrecurring closing costs or a permanent interest-rate buydown on a qualifying Bank of America mortgage and select-market property.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Bank of America America's Home Grant.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A conditional $250 lender credit when Beeline matches a qualifying competing conventional offer, plus waiver of Beeline-retained fees on a later same-property refinance under the current offer.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Beeline Price Pact and Free-Refi Benefits.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A lender credit equal to 0.50% of the final Better Mortgage purchase-loan amount, up to $10,000, for borrowers using a Better Real Estate Partner Agent and closing with Better Mortgage.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Better Real Estate Purchase Loan Lender Credit.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Up to $25,000 as a forgivable second mortgage for a qualifying first-time buyer purchasing and occupying an eligible Bridgeport home.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Bridgeport First-Time Homebuyer Down Payment and Closing Cost Assistance.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A Centreville Bank 30-year fixed mortgage with up to 100% financing for eligible low- or moderate-income buyers in eastern Connecticut.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Centreville Bank PASO Mortgage.
Can it be used on the same purchase as Bank of America Down Payment Grant (Bank of America, N.A.)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A cited pair rule does not establish that either program serves your property or that you qualify. Confirm current conditions with both administrators and your lender before counting on a combination.
Ask HomeBase to re-check Bank of America Down Payment Grant’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.
Sources
Learn more at source — Bank of America (Program administrator), captured October 25, 2026, checked October 25, 2026
Learn more at source — Bank of America (Program administrator), captured October 25, 2026, checked October 25, 2026
Learn more at source — Bank of America (Program administrator), captured August 2, 2026, checked August 2, 2026
Learn more at source — Bank of America (Program administrator), captured October 25, 2026, checked October 25, 2026
